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first_imgThe Supreme Court building in New Delhi. The top court’s order quashing the Reserve Bank of India’s (RBI) note on one-day default in stressed sectors removes a framework for banks to act against loan defaulters in some key sectors.ReutersThe Supreme Court order annulling Reserve Bank of India’s (RBI) February 12 circular on stressed segment loans gives banks wider discretionary powers to treat each loan individually on merit. However, it removes a safety valve that RBI saw as necessary after several high profile overseas flight of economic offence fugitives like Nirav Modi, Mehul Choksi and Vijay Mallya, pushing banks to the brink of collapse.The circular had mandated banks to take into account all stressed companies with loan exposure above Rs 2,000 crore even if the period of default was for one day. The circular gave banks six months after the one-day default to devise a time-bound restructuring plan and launch of insolvency proceedings under the Insolvency and Bankruptcy Code (IBC). The worst-hit sectors of power, shipping and sugar companies challenged the circular in the Court.The apex court’s action of quashing the RBI circular can drive banks to two extremes in dealing with stressed sectors. Most banks will invariably become overcautious in dealing with stressed sectors. The result of an overcautious approach, in most cases, will be the drying up of funds and eventual stagnation of the sectors. In the absence of a regulator-mandated framework for dealing with stressed sectors, the natural reaction of lenders would be to turn off the fund taps. The change in the situation would hardly affect companies that are already well funded and nor in need of further capital investments. For others, this could be disastrous as banks tend to approach stressed segments with extra caution. The Reserve Bank of India (RBI) building in Mumbai. The top court took umbrage at the RBI’s February 12 circular which was described as an umbrella order to banks.ReutersAt the other end of the spectrum, some individual banks could err on the side of liberal treatment of some entities resulting in a repeat of scams that have tainted the banking system in recent years. Apart from wilful scamming of the system, there could also be individual officials who tend to err on the side of caution thinking of the fallout on the institution’s reputation that adverse press could precipitate.Banks that predominantly lend to stressed segments could turn to higher provisions for stressed accounts. Higher provisioning for non-performing assets (NPA) could affect the bank’s bottom line. The drastic divergence between the NPA data that banks have reported and what RBI has estimated shows the pitfalls of depending solely on banks for reaching a proper assessment.In the aftermath of the court order, banks may turn more to the ‘Project Sashakt’ to deal with stressed assets above Rs 500 crore. Some experts suggest banks may have to work more in association with AMCs (asset management companies) and AIFs (alternate investment funds). On the flip side, this could result in a vibrant AMC-AIF model for the other sectors to follow.last_img read more

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first_imgOne of the most common problems a man faces when he likes to keep a full beard, is itching and acne. And monsoon season worsens these problems. Regularly trim your beard, use oil and keep it clean, says an expert.A noted Dermatologist shares a few tips to take proper care of your beard: Regular trimming: Even when you plan to grow out your beard, it is necessary to use a trimmer to keep maintaining its shape and growth. Know what will suit your face shape and what look you desire. Trim your beard accordingly.  Keep it clean: It is important to keep your beard clean as facial hair gets dirty too. Wash it thoroughly and regularly. If you’ve a long beard, it is preferable to use a beard wash. A face wash works well for a stubble or trimmed beard. Use a leave-on-conditioner or a beard softener to maintain its cleanliness. Use beard oil: Beard oil helps in maintaining the moisture of the skin beneath the beard. Just dab a few drops of oil onto your finger tips and work it thoroughly on your beard and the skin underneath. Beard oil also works in maintaining the shine of your beard, making it look healthy and full. Use non-comedogenic moisturiser: Comedogenic means the moisturiser that contains ingredients that can clog your glands which may lead to whiteheads, blackheads and pimples. So make sure your face moisturiser is labeled non-comedogenic.  Eat right: A beard is just another form of hair growth, and nothing works well for hair other than proteins. So consume a lot of proteins by eating green vegetables like peas, broccoli and spinach. Consumption of good proteins helps in better and healthy growth of the beard.last_img read more

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first_imgHawaii Volcanoes National Park: The park is currently open from 7:00 a.m. to 10:00 p.m. daily. This includes Jaggar Museum (open from 10:00 a.m. to 8:00 p.m., with the outdoor overlook open until 10:00 p.m.), Kilauea Visitor Center (9:00 a.m. to 5:00 p.m.), and other areas listed at https://www.nps-gov/havo. Residents and visitors can still view the lava activity and glow from Halemaumau Crater. Air Quality: Air quality on the island of Hawaii remains largely unchanged with this situation. However, air quality near where the lava is flowing can be hazardous (SO2-sulfur dioxide), and officials are continuing to monitor air quality. To view SO2 conditions in real-time across the state, go to http://www.hiso2index.info/. Travelweek Group << Previous PostNext Post >> The latest volcano update from the Island of Hawaii’s Visitors Bureau Share Accommodations and Activities: All accommodations, activities and attractions on the island are also operating normally, with the exception of those in the area affected by the lava activity.center_img Wednesday, May 9, 2018 Posted by Accessibility in East Hawaii: All residents of Leilani Estates and Lanipuna Gardens Subdivisions are required to evacuate. Pohoiki Road is closed from the intersection at Highway 132 down to Highway 137 to allow evacuation efforts of residents in Leilani Estates and Lanipuna Gardens Subdivisions to proceed whenever possible. Temporary flight restrictions are in place for most of lower Puna; drones will be confiscated in this area. Lava Tree State Monument and Mackenzie State Recreation Area are closed until further notice. As a safety precaution, the County of Hawaii has closed the Kalapana Viewing Area until further notice as well. PUNA, HAWAII – As lava continues to pour into the streets of a remote area on Hawaii’s Big Island, the Island of Hawaii’s Visitors Bureau has released an update, assuring travellers that “there is absolutely no reason at this time to change or alter their leisure or business plans.”According to Ross Birch, executive director of the Bureau, all of the Hawaiian Islands are unaffected by Kilauea volcano except a remote are on the island of Hawaii’s east side. Out of the island’s 4,028 square miles, only less than a 10-square-mile area of Leilani Estates and Lanipuna Gardens Subdivisions in Puna are affected.Here’s what travellers need to know:Air Access: All flights into Ellison Onizuka Kona International Airport at Keahole – KOA (west) and Hilo International Airport – ITO (east) are operating normally. Eruption Location: The volcanic activity and where lava has flowed is limited to an isolated area in lower Puna on the island’s east side. This is more than 100 miles away from the western Kohala and Kona Coasts, where the island’s major tourist accommodations and resorts are located. This is the area furthest from the current activity. In addition, Hilo town is approximately 20 miles away and unaffected by the volcano.More news:  TRAVELSAVERS welcomes Julie Virgilio to the teamTravellers planning a trip to the island of Hawaii can contact the Hawaii Tourism United States Call Center at 1-800-GOHAWAII for more information. For other updates, go to http://hawaiitourismauthority.org/news/special-alert/.last_img read more

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first_imgTags: Deals, Travel Agent Day Travelweek Group Posted by More Travel Agent Day offers from AIC, Playa and Air Canada Thursday, May 2, 2019 center_img Tweet TORONTO — Travel Agent Day offers keep on comin’, with incentives and contests from AIC Hotel Group, Playa Hotels & Resorts and Air Canada.AIC HOTEL GROUPA five-week social media campaign has just been launched, featuring prizes and special incentives each week. Agents are invited to guess what each week’s incentive will be, prompted by a fill-in-the-blank post. The incentive will be revealed later in the day with full details.Agents can follow the campaign via the hashtag #AICLovesAgents on Instagram and Facebook. AIC will reveal details about each ensuing week’s promotion on Thursdays throughout the month of May.PLAYA HOTELS & RESORTSTravel agents are invited to enter Playa’s new Travel Agent Appreciation Sweepstakes, which runs from May 1-31. The grand prize is a four-day, three-night stay of two at the agent’s choice of resorts (excluding Hyatt Ziva Cancun, Hyatt Zilara Cancun, Hyatt Ziva Cap Cana, Hyatt Zilara Cap Cana and Sanctuary). Canadian agents must provide a valid IATA number to enter. Go to https://agentcashplus.com/enter.More news:  Canada raises travel warning amid escalating protests in Hong KongAIR CANADAAir Canada is saying thanks to its valued travel agent community with a campaign running for the duration of May. Starting with a travel agent-exclusive offer on personal travel, travel agents can also enter a contest for a chance to win Economy class tickets any of Air Canada’s 200+ global destinations – no booking necessary. Learn more at aircanada.com/agents.Click here for our complete list of Travel Agent Day offers: http://www.travelweek.ca/news/suppliers-say-thank-you-with-long-list-of-travel-agent-day-incentives/ << Previous PostNext Post >>last_img read more

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